Lindsey DentelMortgage Banker NMLS #1308040
I am a Loan Officer with Alpha Mortgage Co. I have over 5 years of mortgage industry experience and expertise. Born aboard Camp Lejeune and raised in Jacksonville, I have valuable knowledge in supporting home-buyers needs in Jacksonville and throughout Onslow County. My family, including both parents and my brother who is currently stationed at Camp Lejeune, has over forty years of military service. With having many years’ experience in VA loans, I am ready to assist first time home buyers as well as experienced home owners with their refinancing needs. I look forward to assisting you in fulfilling your goals and dreams to be a homeowner.
Our quick and easy loan application is the first step towards getting a loan pre-approval!
Get In Touch
Give us a call, send us an email or a letter – or drop by to have a chat.
We are always happy to hear from you.
We offer the best mortgage tools available - easy, convenient, and fast for the best loan programs and most current rates available, together with the assistance of an experienced mortgage loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
Purchasing a new home?
Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Applying for a loan?
Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
Remodeling your home?
If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.
Download Our Mobile App!
Get prequalifed, view your progress, securely upload documents and message your me easily as you go.
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HOW DO I START THE PROCESS OF GETTING A MORTGAGE?
WHAT DOCUMENTATION IS REQUIRED TO GET A MORTGAGE?
- Your Last 2 Years Tax Returns
- Your Last 2 Years W2s or 1099s
- Your Last 2 Paystubs or Leave & Earnings Statements (VA Borrowers)
- Your Last 2 Months Bank Statements (Checking/Savings/Retirement)
- Copy of a Government Issued ID
WHAT IS THE DIFFERENCE BETWEEN A PRE-QUALIFICATION AND A PRE-APPROVAL
A mortgage pre-qualification can easily be defined as an estimation of how much a buyer can borrow. In many cases a pre-qualification is only as good as the piece of paper that it’s written on. It’s fairly common practice that a mortgage lender who pre-qualifies a buyer asks them for information such as income, debts, and other assets without verifying the information. If a buyer is not truthful or makes a mistake when giving the information this can lead to problems in the future when the mortgage is verified by an underwriter.
A mortgage pre-approval is what every home buyer should obtain prior to looking at homes. A mortgage pre-approval can be easily defined as a written commitment for a buyer from a mortgage lender. To obtain a mortgage pre-approval a buyer will be required to provide the same documents that are required when formally applying for a mortgage, such as w-2’s, pay stubs, and bank statements.
There are many reasons why a mortgage pre-approval is better than a mortgage pre-qualification. Two of the most important reasons why a pre-approval is better than a pre-qualification are;
- Helps buyers beat out competition in multiple offer scenario or strong sellers market
- Gives “peace of mind” to a seller when submitting offer that the mortgage will be approved
HOW MUCH MONEY DO I NEED TO PURCHASE A HOME?
Like mentioned above, the amount needed for a down payment will vary from one mortgage product to another. There are other costs though involved in purchasing a home that many buyers don’t realize. In addition to the down payment, buyers also need to consider costs such as an appraisal cost, home inspection cost, and other various costs.
It should be noted though that there are loan programs available for qualifying borrowers that require no-down payment and combined with negotiated seller paid closing costs means NO MONEY needed at closing.